{"id":54226,"date":"2023-05-15T10:39:59","date_gmt":"2023-05-15T14:39:59","guid":{"rendered":"https:\/\/www.cleo.on.ca\/?post_type=publications-page&#038;p=54226"},"modified":"2026-02-13T10:54:01","modified_gmt":"2026-02-13T15:54:01","slug":"how-much-can-these-services-charge-me","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/how-much-can-these-services-charge-me","title":{"rendered":"How much can these services charge me?"},"content":{"rendered":"<p>In Ontario, credit counsellors and debt settlement companies can only help you repay your debts in 2 ways. They can offer each of your creditors:<\/p>\n<ul>\n<li>an instalment plan to pay off the whole amount, or<\/li>\n<li>a single payment plan to settle the bill at a reduced amount.<\/li>\n<\/ul>\n<h2>Instalment plans<\/h2>\n<p>The credit counsellor or debt settlement company can charge you a one-time fee of $50 for setting up a repayment plan for each creditor. They can also charge up to <strong>15%<\/strong> of each payment they make to your creditors.<\/p>\n<h2>Single payment plans<\/h2>\n<p>The credit counsellor or debt settlement company can charge up to <strong>10%<\/strong> of the original amount of each debt they settle this way.<\/p>\n<p>They get their fee after the payment has been made to the creditor. Your debt settlement agreement must tell you how much the counsellor or company is charging for each payment.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-54226","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much can these services charge me? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/how-much-can-these-services-charge-me\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much can these services charge me? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"In Ontario, credit counsellors and debt settlement companies can only help you repay your debts in 2 ways. 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